1. Our finance company will use a credit reference agency to check your credit rating in order to assess your application. The credit reference agency will keep a record of any search made.

2. In order to apply for credit you must:

• be at least 18 and under 75 years of age
• be either employed more than 16 hours per week, self-employed, retired and over the age of 50 or living with a working partner, or in receipt of an invalidity or disability allowance
• have been a UK resident for 12 months or more
• be able to make repayments by direct debit
• provide your previous address if you have lived at your current address for less than 3 years

Note: Orders which contain "Stif Saver" discounted products are ineligible for Finance, if you have any questions about this please call our sales staff and we'll be pleased to help.

To use our calculator:
1. Insert a value for the amount of credit you wish to take out.
2. Click the 'Recalculate Finance' button.

This is just an example - you will be presented with an accurate monthly payment figure if you decide to use our Interest Free Finance when you process your final order.

How do I apply for finance?

After you have added items to your basket you will be offered the option to "Pay with Stif Finance", click this button and you will be take to though our payment by finance process.
Full details of application process will be given at this stage.

What happens next if my application is approved?

If your application is approved you will be able to download & print the Credit Agreement which you will be required to sign and return to V12finance.com, our credit provider. Upon notification of receipt of the signed agreement we will process your order.

What happens if my application is declined?

If our credit providers decline your application you will have the option of choosing an alternative method of payment (i.e. credit/debit card or cheque) and your deposit will be refunded to your credit or debit card.

What if my application is accepted but I change my mind?

Stif holds, at its discretion, the right to either: retain finance deposit or; place an appropriate and proportionate charge on an accepted finance that is subsequently cancelled in order to cover administration costs, unless cancellation is due to

a) Stif's inability to provide ordered goods due to availability issues, and where an appropriate alternative cannot be found

b) alternative payment has been arranged by customer

If you wish to apply for credit please be aware of the following:

1. Our finance company will use a credit reference agency to check your credit rating in order to assess your application. The credit reference agency will keep a record of any search made.

2. In order to apply for credit you must:

• be at least 18 and under 75 years of age
• be either employed more than 16 hours per week, self-employed, retired and over the age of 50 or living with a working partner, or in receipt of an invalidity or disability allowance
• have been a UK resident for 12 months or more
• be able to make repayments by direct debit
• provide your previous address if you have lived at your current address for less than 3 years